zulu.2106.metropolitan
udaba lwezentengiso oluxhasiwe
NGEMINYE IMINININGWANE: Shayela iMetropolitan Life Contact Centre ku-0860-724-724.
BONA ZULU - September 2007
IZINGANE ziletha uthando nenjabulo - kodwa ukuzinakekela kudinga imali enhle ngokusho kochwepheshe bezezimali.
Uma uthatha isinqumo sokuthola umntwana, cabanga ujule ngokuthi kuzodla imali engakanani ukumkhulisa eminyakeni engu-17 ezayo njengoba imali yesikole ihlala ikhuphuka. Okungcono wukuqala ukongela imfundo yengane yakho ingakazalwa.
Uma senza isibonelo, uma uqala ukubeka u-R300 ngenyanga ohlelweni lokonga imali olukunika inzalo ka-10 percent eminyakeni emibili ngaphambi kokuba ingane izalwe, uqhubeke nokonga ingane ize ibe neminyaka emihlanu, iyothi iqala esikoleni ube sewonge u-R35 970. Uma ufuna ukonga imali yokufundisa ingane yakho khumbula lezi zinto ezilandelayo:
Akufanele wonge imali yezifundo kuphela kodwa beka neyezincwadi zesikole, eyezinto zokubhala, eyomfaniswano wesikole neyokukhokhela izindleko zemidlalo.
Njengoba umntwana wakho ekhula, ziyakhuphuka nezindleko zokumfundisa.
Yonga ohlelweni oluzokunika inzalo ka-10 percent ngonyaka ngoba izindleko zokufunda zikhuphuka ukwedlula izinto zonke.
Bheka izindlela zokonga
u I-Endowment policy: Indlela ejwayelekile yokongela ingane yakho imali yokufunda okungeye-policy yomshuwalensi ofana neFutureBuilder Education Plan yakwaMetropolitan.
Kulolu hlobo lwe-policy uyakwazi ukuzikhethela unyaka ofuna ukuba ivuthwe ngawo - nokungunyaka osuke ucabanga ukuthi kuyobe sekudingeka ukuba ukhokhe imali yesikole enkulu.
Kulolu hlobo lwe-policy uthola inzalo enhle kanti luyakuphoqa ukuba ukhokhe imali nyanga zonke kuze kufike isikhathi sokuvuthwa kwayo. Uma uyeka ukukhokha uzohlawuliswa kanti kumele uqiniseke ukuthi uzoba namandla okukhokha nyanga zonke ngaphambi kokuyithatha.
Lawa ma-policy ayayisiza ingane uma kwenzeka ukhubazeka ngesikhathi usakhokha. Akunika igunya lokukhetha ukuthi ufuna ukuba ingane ikhokhelwe yini uma kwenzeka udlula emhlabeni noma ukhubazeka nokusho ukuthi uma uhluleka wukukhokha, i-policy yakho izoqhubeka isebenze kuze kufike isikhathi sokuthi uthole imali yakho.
u Ama-Unit trusts: Ayindlela elula neshibhile yokusebenzisa izimakethe zezimali ukuze uthole inzalo enhle ngisho noma amandla emali ehlile. Uyakwazi nokuzikalela imali ozoyibeka kanti nesikhathi ozoyithola ngaso sikhethwa nguwe ngoba uyakwazi ukudayisa ama-unit akho uma usufuna imali.
Njengoba kungasayinwa zivumelwano kufanele uqiniseke ukuthi ukhokha kahle njalo ngoba ngale kwalokho ungabeka imfundo yengane yakho engozini.
Zimisele uzilungiselele kahle ukuze uvikele ikusasa lengane yakho.
Uma uhlele kahle uzokwazi ukunika ingane yakho imfundo esezingeni eliphezulu. [z]
Hlelela imfundo yengane
Yenza ukuba amaphupho engane yakho afezeke ngokuyongela imali yemfundo
Imali okumele uyonge
Age 0-5: Uma ingane yakho isenkulisa inezinyanga ezingu-18, lindela ukukhokha kusukela ku-R800 ngenyanga noma u-R9 600 ngonyaka. Uma imali ikhuphuka ngo-10 percent ngonyaka uzokhokha:
Year 1: R9 600
Year 2: R10 560
Year 3: R11 616
Eminyakeni emithathu ingane yakho isenkulisa kuzodingeka ukuba ukhokhe u-R31 776.
Ilinganiselwa ku-R22 636 imali okuzodingeka ukuba uyikhokhele ingane enkulisa eminyakeni engu-10 ezayo.
Age 5-7: Ezikoleni zikahulumeni kukhokhwa u-R500 no-R1 000 ngenyanga. Uma uzokhokha u-R750 ngenyanga, udinga le mali:
Year 1: R9 000
Year 2: R9 900
Year 3: R10 890
Eminyakeni emithathu ingane yakho ifunda e-primary kuzodingeka ukuba ube no-R29 790.
Ukusukela kuGrade 1 kuya kuGrade 12 ungachitha u-R190 000.
Ungahlukana noR250 000 uma usubala nemali yomfaniswano wesikole, izincwadi, ukuvakasha nemidlalo.
BONA ZULU - September 2007
